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    >> NIVEL INTERMEDIO : Comprensin de lectura > HOW TO OPEN A BANK ACCOUNT

    Lisa has worked in large and small institutions, including large banking outfits, brokeragehouses, and small credit unions. She has helped countless businesses find the right productsand services for their needs. Currently she works as a consultant.

    To open a bank account you should follow these simple steps:

    Step 1: Choose an Institution

    Talk with friends and relatives about where they have their accounts. Find out what they think and whether theyare satisfied with their own banks. If not, dedicate an afternoon to shop around with a friend.

    Step 2: Decide the account you want

    What type of account do you want? A savings account? i.e. an account designed to simply hold money thatyou do not need immediate access to. When contrasted with checking accounts, bank savings accounts tend topay a slightly higher rate, whereas a checking account generally does not generate interest, but allows you to writechecks.

    What type of institution do you want? a credit union? i.e. an institution owned by the members or customers.Contrast this with banks where the customers are just customers. Banks answer to profitability usually shareholdersown a bank. Credit unions are non-profit organizations that strive for service over profitability. However, they arenot charities.

    Step 3: Go to the Bank or Website & pick the Product You Want

    The advantage of opening a bank account online is that you can do it at any hour, anywhere. However, if youonly want to open it in person you can just show up at the branch during business hours where you can just chatwith a banker who will help you open the best account for your needs.

    Step 4: Provide Your Information

    Banks do not open accounts without certain details about you. This is to protect them against risk and complywith a variety of regulations. Youll need to provide simple details like your name and birthday, as well as yourSocial Security or Passport Number. You will also need to provide a government ID or Drivers License number.

    Step 5: Agree to Terms

    Youll have to agree to abide by certain rules and accept responsibility for certain actions. If you open bankaccounts online, you complete this step by clicking an I Agree (or similar) button, whereas if you do it in person

    you should just sign some documents.Congratulations you already have your bank account!!!

    Final Tips & Warnings

    Open your accounts at a bank near your home so that its convenient for you to make deposits, use an ATM ortalk with bank employees.

    Consider how many ATMs the bank offers, whether they charge a fee and whether 24-hour customer service isavailable by phone.

    Make sure that any bank with which you open your account is FDIC-insured, which means that your money is

    insured up to $100,000.

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    >> NIVEL INTERMEDIO : Comprensin de lectura > UNHEALTHY EATING

    Pupils should be kept in school grounds during lunch breaks to stop them eating unhealthy take-away food, theSchools Secretary Ed Brown has said.

    Mr Brown says there is little point in banning junk food insideschool, if pupils then eat it outside school. This will not be a compulsoryrequirement, but Mr Brown says he will back heads trying to impose apolicy of not allowing pupils out during the day. He also wants councilsto limit the number of take-aways near schools. Mr Brown is set to addressthe Healthy Eating in Schools Conference in London - where he will claimthat the corner has been turned on improving the quality of schoolmeals.

    Since the Jamie Oliver-inspired campaign to improve school food,

    there has been a series of initiatives, costing 650m, designed to raisethe nutritional content and appeal of school meals.

    But Mr Brown will tell the conference that attention needs to be paidto what children are eating outside school. There is no point in banningjunk food and raising the quality of lunches in schools, if teenagers cansimply go to eat unhealthy food from neighbouring take-aways, saysMr Brown. As such, he says he supports stay-on site policies, in whichpupils are not allowed to leave school premises during the day - stoppingthem from eating in local fast-food shops. This will help to tackle aningrained culture of unhealthy eating, he says. Mr Brown also backslocal authority efforts to limit access to fast food - such as imposing a banon take-aways within 400 metres of secondary school gates.

    A survey of secondary school pupil eating habits published this summer found that 80% of pupils bought food fromlocal shops. The research by the Nutrition Policy Unit of London Metropolitan University found that two in five pupilsnever used the school canteen. An important factor in eating habits was the speed and convenience of getting foodfrom local take-aways, rather than queuing and overcrowding in school canteens, found researchers. Rather than thequality or cost of school food being the determining factors, it was often the lack of comfort in the school canteen thatinfluenced pupils. The study found that local shops were more entrepreneurial about meeting this demand - offeringcut-price child-size portions and getting in extra staff so that children could be served quickly.

    However, this meant that children were ignoring healthy food in school and buying food and drink with high levelsof fat and sugar.

    A survey from the NHS Information Centre earlier this year found that one in three 11-year-olds is overweight orobese.

    Adapted from BBC News

    1. Ed Brown claims that

    A. students should only eat their home made lunchB. students dont have to stay in the canteen for lunchC. students should stay in the school premises at lunch time

    2. Mr Brown

    A. will back schools to impose the banB. will not allow pupils to eat fast foodC. will support headmasters unless it is compulsory

    Ed Brown wants healthy eating to extend beyondthe school gates

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    >> NIVEL INTERMEDIO : Comprensin oral > LIVERPOOL

    INTERVIEW

    1. The first speaker thinks that Liverpool

    A could be a tourist centre in the North of England

    B is a tourist centre in the North of England

    C occupies a good position in the world at last

    2. The first speaker is...

    A. going to open a hotel

    B. thinking about opening a hotelC. joking when she talks about opening a hotel

    3. The first speaker says that...

    A. prices are going mad

    B. the cost of houses has increased

    C. things are cheaper in Liverpool than in the Midlands

    4. The second speaker says that they...

    A. already had quite a few festivals around the city

    B. had a festival in the summer

    C. had some celebrations around the docks

    5. The second speaker says that...

    A. there was already a film industry in Liverpool

    B. the government has given them some money to create a film industry

    C. the government has given them 6 million pounds to build up an industry

    6. The second speaker...

    A. thinks that Hollywood film companies are going to move to the city

    B. works as an actor in the film business

    C. thinks a lot of films will be shot in Liverpool

    7. The third speaker...

    A. works for the organization

    B. works in the Town Hall

    C. has been working for three years

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    >> NIVEL INTERMEDIO : Comprensin oral > THE NEWS

    Listen to the following pieces of news and choose the correct option for the questions below.

    First piece of news1. According to the speaker, which percentage is the normal for a tip in Britain?

    A. 8B. 15C. 50D. Any

    2. The manager of the Italian restaurant was angry with Humberto because

    A. he didnt leave any tipB. he left less than normal

    C. he left eighteen per centD. he refused to pay

    3. The couple of cooks went down the street because

    A. they were angry with HumbertoB. there were some criminals thereC. the manager told them toD. there were some people eating out

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    >> NIVEL INTERMEDIO : Expresin e interaccin escrita > HOLIDAY INN HOTEL COMPANY

    The press secretary for the Holiday Inn hotel company has asked you to take part in their website to givepublicityto the latest hotel that is going to be opened next week in their town.

    The purpose of your work is to create a detailed descriptionof the hotel, place and surroundings.

    Dont forget to include:Location and settingDescription: lounges, rooms, furniture, fittings, appliancesLeisure facilitiesFood and room service

    Accommodation rateReservation and payment systemContact: mail address, website, email address, phone number, fax number.

    >> PROBLEM IN YOUR TOWN

    Write a note to a local newspaper where you tell them about a problem in your town (180-200 word).

    Include the following topics:

    - Describe the problem

    - Give some details about it- Make some proposals to solve the situation- Mention some advantages for the town if the problem is solved

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    >> NIVEL INTERMEDIO : Expresin e interaccin oral > MODELO 1

    INTERACCIN (3 minutos)En esta parte un miembro del tribunal generar un dilogo con la persona aspirante basndose en las siguientes

    preguntas.

    ENTERTAINMENTWhat is the most popular drama/comedy/game show in your country, and what is the story-line (drama) orformat (game show)?

    Do you like watching cartoons?

    What did you watch on TV yesterday?

    What is one of your favourite TV shows? Do you listen to classical music? Why or why not?

    Have you ever been to Disneyland?

    Have you ever been to the theatre?

    Have you ever given a party?

    How far in advance do you begin planning a holiday?

    How often do you go to parties?

    How often do you read comic books?

    What are some things you can do without spending a cent?

    What do you do for fun?

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    >> NIVEL INTERMEDIO : Expresin e interaccin oral > MODELO 2

    INTERACCIN (3 minutos)En esta parte un miembro del tribunal generar un dilogo con la persona aspirante basndose en las siguientes

    preguntas.

    CELEBRITIES

    Have you ever seen a celebrity in person? What did you do?

    Which celebrity would you like to meet? What would you do if you could spend a day with this person?

    Do you think famous people have the right to have a private life?

    Do you think its moral to sell your private life to the media?

    Do you approve of people who become famous as a consequence of appearing again and again in the media

    and not because of having an artistic career? What do you think of the papparazzi?

    Why do you think there is such a high demand for gossip magazines and gossip TV programs?

    What are the pros and cons of being a celebrity?

    What do you think of fans and fan-clubs?

    Did you have any heroes when you were a teenager?

    Why do you think adolescents need to have heroes?

    Do you think being a celebrity automatically means the person is intelligent?

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    >> NIVEL AVANZADO : Comprensin de lectura > COMPUTER GAMES

    Thomas Sutcliffe: Why dont we take computer games more seriously?

    The findings of a recent Pew Report which established that 97 per cent of all teenagers play video games are unlikely to rock the world. Yes, the figures were fairly striking more reminiscent of Soviet elections than thedemographic pie-slices were used to in the free world. Somewhere out there, if the statistical analysis got it right,theres a stubborn 1 per cent of teenage boys between 12 and 17 who dont play video games.

    But the 99 per cent who arent living in Amish villages or on end-time communes all do. And 94 per cent ofgirls play them as well, suggesting that received opinion about video gaming as a predominately male activity isconsiderably wide of the mark. All the same, the results went with the grain of expectation. Teenagers play videogames.

    What the Pew researchers were interested in wasnt the crude statistics of participation as such. They were

    simply a by-product of a bigger question about how video gaming was related to teenagers civic and politicalengagement. And again, the findings arent likely to generate banner headlines. Unsurprisingly they found thatteenagers who played socially, with other people in the room, were more likely to raise money for charity or stayinformed about current events or take an active interest in politics than the lonely singletons whose only contact withother humans was to frag them in online battles. So far, so obvious.

    What did strike me, though given the almost universal enlistment in an activity that only 20 years ago wasthe preserve of home-programmers and hobbyists was the mismatch between the scale of teenagers involvementin video games and the relative invisibility of this creative field in what you might call the traditional media. Fromtime to time a new game release, such as Will Wrights recently released Spor, will edge its way on to the newspages and most newspapers carry some form of capsule reviews . But usually theyre tucked away in the backalleys of the publication, while film and music and television continue to dominate the big boulevards. Mainstreamtelevision does virtually nothing. Arts programmes remain almost exclusively dedicated to cultural forms which are

    also-rans for many teenagers.There are two reasons why this should be so. The first would be that video gamers get this stuff elsewhere

    from magazines such as Edge or Wired, and from online gaming sites, where no one needs to explain whatrespawning or first person shooter actually means. And, since they get it there, they arent that fussed that itdoesnt exist elsewhere.

    Unlike jazz enthusiasts persistently besieging Radio 3 for a better deal for their favoured art form gamersdont need to nag. The other explanation would be that the traditional media still doesnt get it. That, despite allthe articles about the scale of the industry and its threat to older forms of diversion (and older forms of fiction) it isntsomething that needs taking seriously. Or, possibly, that it isnt something that can be taken seriously, in the sensethat a film or a pop record can.

    For the moment that still isnt an entirely foolish response, but given those figures in the Pew report it surely

    cant last. There was a time, after all, when no serious newspaper would have included considered reviews of thekinematograph or the latest pop single. Now they could hardly call themselves serious without them.

    Tuesday, 23 September 2008 The Independent on Sunday

    1. How will people probably feel about the findings of the Pew report?

    A. Struck by the figuresB. Nostalgic of Soviet electionsC. Hardly surprised at the results

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    >> NIVEL AVANZADO : Comprensin de lectura > STATE OF THE UNION

    Are there songs that represent the different and separate national musical identities of Britain? We asked Englishmusicians to name the songs that they feel define Englishness

    Kate Jacksonof The Long BlondesThe Next Life by Suede

    Englishness is all about the celebration of our little eccentricities. The Kinksknew this and were the benchmark for all to follow. But the first band that, asa teenage girl, I found noticeably different, noticeably English, were Suede.

    Suedes first album made me want to get on a National Express coach at 6amwith a rucksack and my Walkman and live in a south London tower block squatwith my unsuccessful photographer boyfriend. It doesnt conjure a quaint vision ofEngland with cricket pitches and Sunday dinners; it glamorises the underbelly oflife in the UK. The lyrics may seem a bit contrived now, but at the time it felt likea very English response to what was coming from the other side of the Atlantic.

    Album SuedeReleased 1993Genre Brit popLabel Nude

    Sarah Cracknellof Saint EtienneWuthering Heights by Kate Bush

    I cant imagine this song going down well anywhere apart from England. Herstance is very quaint and English: the way she sings, her accent, the drama of

    it all. She had the audacity to put out a single that was going to stretch peoplesimaginations. Im old enough to have heard it when it came out, and seeingher on T.V, on Top of the Pops, will be forever etched on my mind: it was awatercooler moment before they had watercoolers. Everyone talked about itat school the next day. In its style and atmosphere, it feels a bit late in the day,like its from the hippy era. Its a bit of escapism from 1978 England. But itsa typically English thing to be so out there and taken on board by the generalpublic. Ive never met her, but funnily enough shes just moved down the roadfrom me. Maybe Ill see her in the farm shop. Shes a genuine eccentric.

    # 1 UK singles Chart

    Album The kick insideReleased 1978Genre Art RockLabel EMI

    James Rushentof Does it Offend You, Yeah?God Save the Queenby The Sex Pistols

    This is a song by English people for English people. Its a dangerous songand thats what England has always been good at - dangerous bands makingdangerous music. English bands have ideas and manifestos, while Americanbands are more professional and play the game. The Pistols going on TV andsaying f*** changed England! You can go on TV now and say f*** andno one cares. Touch wood, well make an impression in our time. Im not sayingwere full-on punks, but Id like to think we freak a few people out. As long assome people leave our gigs scratching their heads, or pulling faces we arehappy and that desire to make a statement and get a reaction, good or bad, isvery punk, and very English

    #2 UK Singles Chart

    Album Never mind thebollocks

    Released 1977Genre PunkLabel Virgin

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    >> NIVEL AVANZADO : Comprensin oral > BIRMINGHAM

    Listen to this recording and then choose the best option in the following questions.Podcast downloaded from Enjoy England. City Guides.

    1. Birmingham is an influential city because it

    A. offers a lot of amenitiesB. has an engineering Power StationC. was highly populated in the 18th century

    2. Selfridges building is outstanding because it

    A. contains a bullring

    B. has straight lines insideC. is covered in aluminium

    3. The new shopping area

    A. is a major tourist attractionB. was built after one in IbizaC. houses the Symphony Hall

    4. The Malmaison Hotel

    A. is modern and lively

    B. is cool and inexpensiveC. only accommodates rock stars

    5. In Mailbox complex you can find __________________ restaurants

    A. designerB. a wide variety ofC. modern Japanese

    6. At the Hotel Du Vin, there is a

    A. cellar where they sell champagne

    B. Humidor Room to keep the cigars freshC. Bistro which welcomes people on the ground floor

    7. According to Nicola, the

    A. shopping offer in Birmingham is superbB. retail outlets in Birmingham are fantasticC. restaurants in Birmingham are for the wealthy

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    >> NIVEL AVANZADO : Comprensin oral > GREEN MINUTES

    Listen to this recording and then choose the best option in the following questions.

    Listening material from CBS News Podcasts and http://greenairradio.com/

    GREENWASHING

    1. According to the speaker, companies use greenwashing to

    A. inform consumers about environmentally friendly productsB. deceive consumers about environmentally friendly productsC. lead consumers who want to buy environmentally friendly products

    2. Which of the following is the most eco-friendly term?

    A. OrganicB. SustainableC. Environmentally preferred

    BIG PLASTIC LIES

    3. Some effects of BPA (Bisphenol A) on the development of cancer cells can appear after

    A. a litt le contact with itB. the growth of hormonesC. a long-term contact with it

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    >> NIVEL AVANZADO : Expresin e interaccin escrita > LOCH LEWEN HOTEL

    You have stayed at Loch Lewen Hotel for four days and you havent fully enjoyed it, because what you actuallygot did not match the descriptions in the publicity you had previously read on Internet. Decide what went wrong andthen write a report on the webpage TripTips giving your personal opinion and recommending it - or not - to other users(200-230 words).

    Loch Lewen Hotel ***Loch Lewen Hotel is a charming little hotel in the village of Lewen, close to the bus station, within walkingdistance from the centre and two miles from the lake. Hosted by Geraldine and Michael you will experience trueScottish warmth. You may arrive as a guest but you will leave as a friend.

    The hotel offers 15 spacious bedrooms, a superb restaurant service with exciting, contemporary cuisine, achildrens indoor soft playground and a lively bar, which shows some light entertainment at weekends.

    Loch Lewen Hotel room description:*Standard double room*Standard twin room*Triple bedded room*Non smoking rooms available on request only

    *Room amenities in all rooms *Trouser press*Bathtub *Remote control TV

    *Cable TV *Shower stall

    *Direct dial phone *Hair dryer*Iron and ironing board *Toiletries

    TripTips traveller reviews & opinions of hotels, vacations & more Tips for writing a great review

    DO

    Describe the service you experienced

    Tell us how you liked the room

    Talk about the location & amenities

    Say what you liked best & least

    DONT

    Use profanity, threats, or personal insults Include e-mail addresses or phone numbers

    Write in ALL CAPS

    Report someone elses experience

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    >> NIVEL AVANZADO : Expresin e interaccin escrita > PEOPLE SUCCEED

    When people succeed, it is because of hard work. Luck has nothing to do with success.

    Do you agree or disagree with the quotation above? Use specific reasons and examples to explain your position(200-230 words).

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    >> NIVEL AVANZADO : Expresin e interaccin oral > MODELO 1

    INTERACCIN (3 minutos)E-MAILING

    In this part of the test, Im going to ask you some questions to give you the chance to have a conversation. Youare not only required to answer the questions, but also to provide reasons for your answers.

    Lets talk about e-mailing:

    How important is e-mail to you?1.

    Do you prefer writing e-mail or real letters with a pen and paper?2.

    How much time do you spend reading and writing e-mails?3.

    Do you think e-mails are fun?4.

    Do you ever receive spam mail? What do you do with it?5.

    Have you ever pressed send and then wish you hadnt?6.

    Are you good at replying quickly to e-mails?7.

    How many different e-mail accounts do you have / need?8.

    Which e-mail provider do you use (Hotmail, Gmail, Yahoo..)? Are you happy with the service?9.

    Do you think e-mail can be dangerous?10.

    When was the last time an e-mail made you very happy or excited about something?11.

    Are you worried that governments or criminals can read your mail?12.

    Have you ever waited, and waited for an e-mail to arrive? How many times did you check?13.If you could secretly have access to someone elses e-mail account, who would it be and why?14.

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    >> NIVEL AVANZADO : Expresin e interaccin oral > MODELO 2

    INTERACCIN (3 minutos)AGE

    Im going to ask you some questions to give you the chance to have a conversation. You are not only required toanswer the questions, but also to provide reasons for your answers.

    Lets talk about age:

    Whats your ideal age?1.

    What are the joys and problems of your age group?2.

    How do you feel about growing older?3.

    Would you like to be 100? Or be back in your teens again?4.

    Do you think we should try to disguise the ageing process?5.

    Is youth overrated nowadays? And old age underrated?6.

    Have you heard of the Peter Pan effect? Can you guess what it refers to?7.

    Do you find it easy to communicate with other age groups?8.

    Is it better for people to be part of a family or to live independently? Think of different age groups and of the9.advantages or disadvantages of each.

    The proportion of people over 65 is increasing in many parts of the world due to declining birth rate and10.better medicine. How does this compare with the situation in the past? What benefits/problems are derivedfrom this?

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